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ICICI Lombard Health Shield 360
ICICI Lombard Health Shield 360 is a comprehensive health insurance policy offering basic medical support, worldwide cover, and health mana…
- Worldwide cashless facility
- Unlimited reset cover
- Daycare procedures
ICICI Lombard Health Insurance
Arogya Sanjeevani Policy
ICICI Lombard Arogya Sanjeevani Policy is a versatile and affordable h ...Read More
Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,712 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement
About Arogya Sanjeevani Policy
A quick read on what this ICICI Lombard Health Insurance plan covers and why it might be a fit for you.
ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan that secures your basic healthcare needs, the Arogya Sanjeevani Policy by ICICI Lombard is an efficient fit. You can avail the plan on an individual and family floater basis and take advantage of the following features:
- In-Patient Hospitalization
- Pre and Post Hospitalization
- AYUSH Treatment
- Day Care Procedures
- Lifelong Renewability, and more.
This affordable healthcare plan offers a cumulative bonus up to a maximum of 50% of the Sum Insured, along with coverage for cataract treatments, dental treatments, and plastic surgery if required due to a disease or injury. The plan offers a Sum Insured benefit ranging between ₹1 lakh and ₹5 lakh. To know more about the Arogya Sanjeevani Policy by ICICI Lombard, read further details.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min- 3 months, Max- 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Cumulative bonus
- Cataract treatment covered
- Modern procedures covered
- Intensive cardiac care charges
Cons
- No eyesight correction expenses
- Fertility expenses not covered
- Nursing expenses not covered
- Nursing at home not covered
- OPD expenses not covered
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
ICICI Health Insurance | Arogya Sanjeevani Health Insurance Policy.
In this video, we dive into a comprehensive review of the ICICI Health Insurance Arogya Sanjeevani Policy Plan. Explore the benefits of the ICICI Arogya Sanjeevani Health Insurance Plan offering comprehensive coverage for your medical needs.
ICICI Arogya Sanjeevani Policy Benefits
The ICICI Arogya Sanjeevani Policy offers numerous features and benefits, ensuring insured individuals can enjoy a stress-free life with their medical care needs covered. Key benefits include:
-
COVID-19 Cover
Arogya Sanjeevani Policy by ICICI Lombard offers COVID-19 coverage, covering hospitalization expenses if diagnosed with COVID-19, providing peace of mind.
-
Family Cover
Arogya Sanjeevani Policy by ICICI Lombard provides medical care and protection to your family members. Under this plan, you can cover up to 2 adults and 3 dependent children (above 3 months of age), including your spouse, dependent parents, and parents-in-law.
-
Cataract Treatment
Arogya Sanjeevani Policy by ICICI Lombard offers cataract cover up to 25% of the Sum Insured or ₹40,000 per eye, per policy year, whichever is lower.
-
Cumulative Bonus
ICICI Lombard Arogya Sanjeevani Policy offers an increase in the Sum Insured by 5% for each claim-free year, up to a maximum of 50% of the Sum Insured.
-
Change of Sum Insured
Insured individuals can increase or decrease their Sum Insured at the time of renewal. However, for any increased Sum Insured, the waiting period will apply afresh only to the enhanced amount.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- OPD Expenses.
- Expenses arising out of adventure sports.
- Expenses arising due to unlawful activities.
- Infertility and fertility treatments.
- Expenses arising out of war, civil war, nuclear attack, etc.
- Pre-existing Diseases: 48 Months
- Listed Ailments: 24/48 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 18 years
- Max Entry Age: 65 years
- Sum Insured: ₹1 Lakh to ₹5 Lakh
- Initial Waiting Period: 30 days
Other features & benefits
Conclusion
ICICI Lombard Arogya Sanjeevani Policy is a versatile and affordable health insurance plan designed to provide medical care to individuals and families. It is a standard health insurance plan with limited sum insured availability but covers all necessary medical requirements. It is an apt health insurance plan for basic health coverage.
ICICI Lombard Arogya Sanjeevani Policy: FAQs
The 5 most-asked questions about Arogya Sanjeevani Policy, answered.
The Arogya Sanjeevani Plan covers various aspects of medical care such as: Pre and Post Hospitalization In-Patient Hospitalization AYUSH Coverage Cumulative Bonus Ambulance Cover, and more
The minimum amount of sum insured available to insured individuals is INR 1,00,000.
Yes, the Arogya Sanjeevani Policy by ICICI Lombard is available as an individual and family floater health insurance plan. You can cover your spouse, parents, parents-in-law, and dependent children under the plan.
The eligibility criteria for adults ranges between the age of 18 to 65 years, whereas for dependent children it is 3 months to 25 years.
Yes, a 5% co-pay for all claims is mandatory under the Arogya Sanjeevani Policy by ICICI Lombard.
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